Ripple Treasury expanded GSmart with policy-governed AI capabilities for cash-flow forecasting, liquidity management, risk analysis, reconciliation and reporting. The platform uses AI agents to analyze treasury data, identify risks or policy violations, and recommend actions while showing the relevant company policy or control; human approval remains mandatory before any financial transaction is executed. Ripple said GSmart is actively used by institutional clients, with 60% of eligible clients using Risk Insights and 44% using Forecast Insights. The announcement does not disclose a new XRP usage volume or purchasing mechanism, and experts cited in the release said they do not expect a direct, significant short-term effect on XRP's price.